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Getting cheap car insurance for young drivers
It is not very easy to get a cheap car insurance for young drivers. As the premiums for younger drivers are charged higher, the experience of getting a coverage that is adequate is often frustrating. The premiums charged for younger drivers are much higher than premiums charged for any other age group of drivers. There are a lot of reasons for the high premium amounts for young drivers.- To begin with, studies indicate that drivers who do not have sufficient experience get involved in more accidents than the experienced drivers. Most of the accidents on the road involve drivers who have been driving their vehicle for less than a year.
- The statistics also show that drivers in the age group of 17 to 25 are involved in nearly 25% of accidents on road.
- It is also seen that drivers who are young are the ones to lose their vehicle on fire, vandalism and theft leading them to make a lot of claims on insurance.
- Youngsters tend to use their vehicle less carefully when compared to elder and experienced drivers. It is critical for drivers with less experience to be careful on the road.
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To start with, you need to ensure that the car you are driving is completely safe. The monthly premium amounts will reduce with increase in safety features. By installing additional safety features like air bags, theft alarms, etc., you can get cheap car insurance for young drivers in an affordable rate.
Next choice would be to check with your parents, if they can add you as a driver in their policy. As they have a pretty good record, you would actually be using that to reduce their insurance premium. You should probably tell them that you are looking at it for a temporary period. You can take up this option till the insurance company is convinced that you are not as risky as they think you are. Once you have established that you are a safe driver, you can get your own Car Insurance Quotes.
School grades are another option to help you. Not many people know that grades they get at school can help them in lowering the insurance premium. People who do well in their school can easily obtain cheap car insurance for young drivers. This is because, the insurance companies consider people with good grades to be more responsible. It is believed that a responsible person will not easily get into accidents and hence it would be easier to find insurance at an affordable cost.
Last but not the least, would be to enroll yourself in some driving classes and get certified as a trained driver. These courses, apart from making you a better driver, will get you an instant 10% discount on insurance rates.
The history does point out that drivers are more riskier when they are young which has resulted in higher rates on insurance. The afore mentioned tips can help you get cheap car insurance for young drivers.
Top 10 Cheap Cars To Insure
Car insurance can be expensive and if you're not careful with your purchase, you spend many thousands of dollars just by buying the wrong car. You can, of course, always check beforehand by making use of comparison sites but as a general rule, here are ten of the cheapest cars to insure today.1. Smart Car. The Smart car as a concept was designed solely with economy in mind. That cost efficient outlook covers gas consumption and purchase price but its small engine and low repair costs lead to a low insurance group too. Since its introduction to the USA market in 2008, it has enjoyed a low grouping with all insurers.
2. Ford Focus. First sold in the US back in 1999, the Focus has a consistently good accident record. Associated with careful drivers across the world, you can expect this to fall into the lowest insurance grouping.
3. Chevrolet Volt. It's almost certain that insurance companies are going to look kindly on electric cars that are kinder to the environment. This isn't merely a gimmick on the insurers' part though as claims costs are also proving to be lower and it therefore pays to search on netcars for an eco-friendly car such as Chevrolet's Volt.
4. Pontiac Vibe. The insurance premium you ultimately pay will vary greatly depending on your provider but it's fairly widely accepted that the Vibe is the cheapest of them all. The car itself is no longer in production but there are plenty still around.
5. Saturn Ion. If you're looking for a little more power, the Ion may be the car for you. The 2.2-liter base models give you more under the hood but the car is one of the cheapest to insure in its class. Just remember to avoid the high performance, supercharged versions of the Ion.
6. Toyota Matrix. As with many of these cars, you need to look for the base models in order to avoid any nasty surprises and if you stick with the smallest engine version of the Matrix, your insurer will reward you accordingly.
7. Subaru Outback. For off road vehicles, the Outback is one of the most effective, providing consistent performance time after time. It is also surprisingly cheap to insure too. In 2007, a survey of insurers named it the 4th cheapest car to insure in the US and those statistics have held firm in the years that have followed.
8. Chrysler PT Cruiser. Smart convertibles aren't always linked to cheaper car insurance but the Cruiser can offer cheaper premiums than many fixed roof vehicles in its class. This comes from insurer statistics which indicate lower claims costs and safer drivers overall and these are clear facts that allow companies to fix a lower rate.
9. Saturn Aura. As a brand, Saturn tends to score highly when it comes to lower rated vehicles. The Aura is a step up in class from the Ion but in some cases, particularly with the 2.4 hybrid version, premiums for the Aura can be cheaper.
10. Buick Sedan. If you're looking at a luxury sedan, you should always check a comparison site before you buy the vehicle if insurance is a concern. The Buick, however, is the cheapest of the luxury marques, even with its minimum 3.8-liter capacity.


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